An Empirical Study on the Factors Affecting Savings Bank Loan Interest Rates
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
The study analyzed reciprocal effects of base rate of the central bank, CD, CP, interest rates for bank deposits, bank loan interest, interest rate for savings bank deposits and savings bank loan interest. In particular, the study attempted to find an interest rate which affects interest rates of savings banks. If these variables affected interest rate decisions by savings banks, it would be possible to predict that movements of these variables in the future may affect changes of interest rates as well. In the impulse reaction function, CD rate and CP rate took the highest impact to the savings bank’s deposit interest and loan rate. In forecast error variance decomposition analysis, it was fond that the deposit interest and loan rate of the savings bank reciprocally affected each other. Then, CD rate and CP rate had the highest explanation power. Consequently, factors that affect the savings’ bank’s decision on interest rates were a bank’s deposit interest, CP and RP interest rate and RP rate which is the benchmark interest rate. The important point is that RP rate as the benchmark interest rate takes an important role because it becomes the base for influenced variables.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.000 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.001 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it